Bitcoin is not a complete solution. It's the foundation, the operating system. We're still building the rest of the stack on top of it.

L1 = Final settlement layer. L2 = Lightning Network, high-TPS payment highways connecting large entities (businesses, communities). L3 = ??? For me, it's still up in the air if there will be one or multiple solutions. But this is where the majority of people will be. The Fedimints, the Cashu's and other things still to come.